Navient

Review: Navient failed to withdraw the loan amount like they had been for over a year. Then they started to call me and my co-signer. I have since made a scheduled payment for a few days from now. They are still calling my grandfather (co-signer) though they are no longer calling me. When I called to speak to them about stopping these calls, I was told that it is a Federal law that they must call until the account is cleared. When I asked to speak with a manager, I was put on hold and the same women told me the same information.Desired Settlement: I wish that the company would view my lending payment and stop calling my co-signer. Calling me would be more appropriate than the person who does not have control over the account

Business

Response:

A

representative from the Office of Customer Advocate contacted the customer by

telephone on July 21, 2015, and we are working with the customer directly to

resolve the issue.

Review: I'm trying to pay my student loan in full, and am not able to. I have completed registration to pay my bill , and am still unable able to pay online. My total bill is $1420.63 which I can pay in full and clear my student debt (which this is). I just want to pay!

Thank you!Desired Settlement: just want to pay dude! =)

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on August 14, 2015. Please allow sufficient time for

postal delivery.

Review: I called back early in the year February-March along with my home loan officer to verify that my loans would be deferred for at least another year, it was a requirement for my home loan. The agent we spoke with made it seem that as long as I was in school my loans would be deferred. In mid-late June I started receiving calls from Navient stating that my account was pass due. I thought this was a mistake as I was still in school. After talking with a rep they explained to me that my in school deferment limit had been reached and my out of school deferment limit was also reached (the out of school deferment I knew about). I spoke with another rep and informed her that I wasn't able to make the entire payments and she was going to try to get the payments down for me. I stated I'd call her back and when I did she wasn't available so I spoke with another agent. We found I have too much disposable income (I wish) to lower my payments. I still have to pay for school as well car repair and so forth that aren't really considered "monthly payments." The next week I spoke with another representative who stated that he could get my payments down to 329 and I had to pay him then and there. I explained that I didn't have it and would try to get it. I couldn't so I explained to the next rep I spoke with that I would be able to make my first payment mid August, they explained that I could setup the payment for August 1st but could have it come out in mid August. Well come August 1st I speak with a rep and was trying to setup my payment but was then informed again that I have too much disposable income. I explained my situation and she got her manager. The manager was very short and not interested in what the previous rep had told me. I explained that all I could afford is $300 /month until I can get myself into a better position to be able to pay more. We ended the call when I refused to setup the full monthly payments and since then I've spoken with multiple agents informing them that I will pay the $300 per month. They always make me aware that it won't help much and my credit along with my co-signer's credit is going to be negatively impacted.Desired Settlement: I desire to be able to have the $300 /month payments for an extended period until I'm able to afford more. The fact that it will take more time to pay off the loans and Navient would make more money from me doesn't make sense that they won't work with me on this. It's not beneficial for me, my cosigner, or Navient to not be able to come to an agreement and instead of wasting resources on collection attempts those resources could be better spent.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on August 19, 2015. Please allow sufficient time for postal delivery.

Review: I currently have three student loans on my credit report that have late payments that shouldn't be on there. I have been very diligent with paying these student loans. Account numbers: [redacted] have the following late payments being reported: 180 days past due as of Jan 2009; 150 days past due as of Dec 2008; 120 days past due as of Nov 2008; 90 days past due as of Oct 2009, Oct 2008. There is no way that this is accurate.Desired Settlement: Please remove these late payments and report 100% positive payments.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on August 17, 2015. Please allow sufficient time for postal delivery.

Review: SallieMae and NAVIENT

Pobox 9500

Wilkes-Barre PA [redacted], now known as Navient has been under heavy criticism over the past few months following allegations of overcharging its service members for my student loans. It is estimated that over $1.2 trillion is owed by approximately 40 million Americans and most of these have been irregularly charged late fees on the student loans.

The organization has been under investigations by different agencies including the Consumer Financial Protection Bureau, Federal Deposit Insurance Corp and the department of justice. Student loans have become the worst kind of debt for many Americans and many are drowning therein.Sallie Mae To Repay Millions Ripped Off From Student Loan Borrowers

I started the student loans with $ 28,000 dollars and now what they're telling me is the accrued amount means what I owed them is over $132,000 dollars since 1991. I was rushed to sign the hidden financial aid package without clear clarification, explanation from those banks and Ministry of education back in 1991. This amount of loan was $28,000 dollars and just sky rocketed to $132,000 student loan sounds astronomical. They should clarify, explain the pros and cons before they made me took the loan and advantage of innocent person like me at that time when they forced, enticed and rushed me to take the loan. So I’m very depressed with our financial educational system here the USA.

I strongly object to a system that is blatantly discriminatory and unfair to law-abiding Americans living inside our country. In addition, it has become too expensive, too difficult, and frankly, too frightening, to try to comply with all of over $132.00 dollars accrued student loans since 1992 true law-abiding citizens like me here living here in California. And yet, I now feel like >second class citizens at best, or criminals at worst.

By the way, this is for your own personal information. [redacted] Institute of Technology school was closed down long time ago.

Please see some facts about [redacted] .

[redacted] In 1995, [redacted] was suspended from Ontario's student loan program after a large number of its students misreported their income. [redacted] was reinstated after paying fines of C$1.7 million and putting up a bond of C$2 million.

.

In November 2000, [redacted] and another graduate of one of [redacted] University's Chicago-area campuses filed a class-action lawsuit accusing [redacted] of widespread deception, unlawful business practices and false advertising and alleging that students were not being prepared for high-tech jobs. The lawsuit contributed to a 20% slide in the company's stock. The class was not certified and the case was resolved for less than $25,000 in June 2006.

In January 2002, [redacted], a graduate of one of [redacted] University's Los Angeles-area campuses, filed a class-action complaint against [redacted] Inc. and [redacted] University, Inc. on behalf of students in the post-baccalaureate degree program in Information Technology. The suit alleged that the nature of the program was misrepresented by the advertising. The lawsuit was dismissed and refiled. During the first quarter of 2004, a new complaint was filed in the same court by [redacted] with the same general allegations. This action was stayed pending the outcome of the [redacted] lawsuit. The lawsuits were being settled in late 2006.

In April 2007, the State of New York settled with three schools that were participating in questionable student-loan practices. [redacted], Career Education Corporation, and Washington University in St. Louis were involved with the settlement. [redacted] agreed to refund $88,122 to students.

In 2008, [redacted] was accused of filing false claims and statements about recruitment pay and performance to the government.

In January 2013, a lawsuit was filed by a former manager at [redacted] which alleged that the college bribed students for positive performance reviews and worked around federal regulations on for-profit colleges. In April 2013, the attorney generals of Illinois and Massachusetts issued subpoenas to [redacted] to investigate for violations of federal law and filing false information about loans, grants, and guarantees. In July 2014, [redacted] stated that the New York state attorney general's office was investigating if the company's marketing violated laws against false advertising.

Senator [redacted]'s report on the for-profit college industry revealed that [redacted]'s tuition for an associate degree is 10 times higher than at community colleges; it has a dropout rate of 50 percent (60 percent for online students) within a median of 3 1/2 months; spending per student of less than $3,000 per year on education, about a quarter of what is spent by the University of Illinois; a CEO salary of $6.3 million, 46 times more than the president of the University of Illinois; and evidence of deceptive recruiting of students. Two state attorneys general, Illinois and Massachusetts, are investigating [redacted].

Please assist.

Thanks you;

[redacted]Desired Settlement: I strongly object to a system that is blatantly discriminatory and unfair to law-abiding Americans living inside our country. In addition, it has become too expensive, too difficult, and frankly, too frightening, to try to comply with all of over $132.00 dollars accrued student loans since 1992 true law-abiding citizens like me here living here in California. And yet, I now feel like second class citizens at best, or criminals at worst. The Salle Mae want me to file every year, detailing the amount in every single financial account I have, from savings to checking. The message given here, along with the enormous fines for improper filing, make U.S. citizens feel like they are guilty until proven innocent. 40 million borrowers are affected.

Further, I’m not sure that it should be legal for an unemployed person to take out of loans for anything, without demonstrating they have had the interest and success of obtaining some employment in that field, or a field, and/or are even capable to hold a job to pay it, showing they are responsible – I’m not sure that makes sense to me.

$132,000+ student loan sounds astronomical - should there be limits on loans?

I’m 53 years old and live in California. I graduated in 1992 and all the things I learnt is now obsolete and couldn’t find a job. I am writing with a heavy heart as I, and my family, are all seriously struggling with this student loan since 1992. I am addressing this issue for you. Secondly, I am writing as I have GERD gastroesophageal reflux disease (stomach) and Discogenic disease at c5-c6 c-7 spinal cord problem. I am very sick and will be on medication for the rest of my life. Also, it’s taking away my concentration, energy and distracting me from being 100% functional. I did everything I was supposed to do and I have nothing to show for it. Currently, due to my sickness I can’t work full time. I am doing this not to avoid the situation and we’re all law-abiding Americans living inside and outside the country. In addition, it has become too expensive, too difficult, and frankly, too frightening, My family and I are running low on our life. All of this is taking its mental, physical, and emotional damage on us. I’m almost given up all hope in pursuing my dream. I never thought I’d be in this situation at my age. Here in America hoping to raise my family in a better economy with opportunities and fulfilling dreams. But all I have gotten is grief and struggle.

The US Education Department will also allow borrowers who have a loan from the Federal Family Education Loan Program and a direct loan from the government to consolidate them into one. The consolidated loan would carry an interest rate of up to a half percentage point less than before. This is affecting over 40 million borrowers.

Student loans are the No. 2 source of household debt. Today, there are 40 million borrowers with $1.3 trillion in loans under the Federal Education Loan Program. Last year, the Education Department made $102.2 billion in direct loans to 11.5 million recipients. They make money to lend these student loans – so they keep doing it, and students take the loans, because they

Are allowed to – and there is no accountability to the banks, because the government will not allow them to fail, so they

Keep giving out bad debt.. And vicious cycle, they don’t care if the people fail and receive bad loans which they will never payoff - they are suckered in.

What America is doing to its own citizens is not right and I have had enough. What I have outlined here is only part of the problem. All I want in return for fulfilling our responsibilities as Americans is to be treated fairly and equally. . I am asking my student loans to be waived, charged or forgiven.

What a sad state of affairs for America and for its citizens everywhere.

Regretfully yours,

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on August 31, 2015. Please allow sufficient time for

postal delivery.

Consumer

Response:

Review: I've had the misfortune of being affiliated with Sally Mae/Navient for over 10 years & can easily say that this company does not at all care about their customers & is solely in business to deceitfully take their money. I'm writing this complaint due to the horrendous customer service. I've NEVER been able to speak to someone who a.) speaks English, b.) has any idea about what I'm talking about, c.) is able to even remotely assist me, d.) is able to comprehend anything that is not on a script. My current frustration is that I was offered a 0.25% loan discount if I signed up for auto-pay. I've signed up & payments are coming out, but I am still paying the same rate. Alas, yet another scam!Desired Settlement: Navient needs to adjust my rate accordingly per the terms of their deal. I'd also like to be retroactively reimbursed & my loan balance recalculated to reflect the discounted auto-pay rate.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on October 28, 2015. Please allow sufficient time for

postal delivery.

Navient is the worst company I have ever had the unpleasant experience of working with. After Sallie Mae split and became Navient and my loans switched to Navient, the due dates for my loans sporadically changed and I have spent hours, literally, on the phone trying to get it updated. At one point I even spoke with a manager, who had me wait 45 minutes on the phone while they "updated it on the spot," only to find that the dates were still incorrect for the next billing cycle. In addition, they also "lost" a payment one month. Every time I try to seek assistance, I talk with someone who can only repeat the same words and phrases that everyone else I talk to there says. I have yet to call and receive proper assistance. I've been calling to get the due dates corrected since early October, and have been told each month that changes would be effective the next month. It's been 3 months and nothing is fixed.

Review: This past Fall, Navient began to manage my consolidated student loans, which had previously been with Sallie Mae.

I have been making payments through the Income Based Repayment program for the last year or so. On 12/26/14, I submitted paperwork to renew Income Based Repayment for another year. Because I submitted the forms online--something I had not done before--I called Navient that afternoon to see if they could confirm that I had submitted the forms correctly. The woman I spoke with assured me that everything was great, and that I could expect to hear from them within 10 business days as to what my new payment would be.

4 weeks went by, and I heard nothing from Navient. I finally called them again to check in, since my account was showing a payment due on February 8th which was much higher than it would have been if IBR had kicked in (about $1,300, as opposed to $200). This time, I was told that one of the forms I had submitted could not actually be read on their computers! I was asked to resubmit the form, which I did so by fax.

A few days later, I received notice that my application could not be processed because it was incomplete. I called Navient yet again. This time, I was told that while my proof of income was correctly-filed, I had failed to submit proof that my wife had no income (she is a stay-at-home mother). I was asked if my wife could submit a letter from her stating that she had no income. She did so that very afternoon, again by fax.

Two more weeks went by, and again I heard nothing from Navient. By this time, I had needed to use 2 months of forbearance to avoid the $1300 payments--I am a teacher, raising a family of five on an income of about $54,000, after all. This morning (February 19, 2015) I called yet again. This time, I was told that my application just simply was not done yet. I was able to wait on the phone while it was completed, and was told that my payment is now the corrected amount of about $200 per month.Desired Settlement: I have had to use 2 months of forbearance on my loans because of Navient's incompetence, untimeliness, and poor customer service. I believe that they should compensate me for the interest that has accrued on my student loans during those two months that I would have paid had they processed my application in a timely and helpful manner--roughly $400.

I also believe that I should be "given back" the two months of forbearance that I have used, in case I need them in the future.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on March 5, 2015 and resolved the

issue with the customer.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: I have been unable to access my online account regarding my student loans for over a year. I have made over 10 phone calls, each lasting over 30 minutes, trying to solve this issue. I have spoken to many supervisors and they have all failed to solve this issue even after assuring me the issue would be solved in a timely matter.

They have billed me late fees as well.Desired Settlement: Navient will allow me access to my online billing account.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 20, 2015. Please allow sufficient time for postal delivery.

Review: My son has a student loan with the company. It is now due and I was a cosigner. We have been making arrangements with the company as student was not employeed. Myself and my son has called in and informed company that we would be able to pay $100 a month they stated that they would accept it but it was not enough. Company was asked not to continue harassing calls to myself, son and niece who also cosigned on a loan for him. This was on January 7, 2015. They are continuing to make harassing calls on a daily basis and are now calling place of employment. As conferred to the company we understand that the loan is now in repayment and will make every effort to pay on it monthly. We have asked that the calls stop and were told that they would. This is not the case.Desired Settlement: Desired outcome is for company to stop harassing calls to disputer as requested and agreed upon or disputer will file legal harassment proceedings.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on January 21, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: Navient has deducted my monthly loan amount twice from my checking account for the month of February. The monthly payment amount for February is supposed to be for $658.38. However, Navient made 5 deductions from my checking account that charged me twice for the monthly loan amount ($598.22, $498.05, $100.17, $60.16, and $60.16). I contacted Navient via phone and asked why they deducted money from my checking account twice and that I only paid the $658.38 once. They made several charges to my checking account almost leaving me with a negative balance. They said that I would have to submit a copy of my bank statement showing the multiple charges. I asked if they could cancel the charges today and they said not at this time. I had my bank to fax them a copy of my bank statement and I also faxed over a copy myself.Desired Settlement: I would like for my checking account to be refunded in the amount of $658.38, since Navient debited my account twice totaling $1,316.76. I would also like an apology from them since I also paid my loan on time, but instead had my account debited twice.

Business

Response:

Thank you for your message. In the interest of protecting the privacy of our customers, the Office of the Customer Advocate responded directly to the customer via US Postal Service on February 17, 2015. Please allow sufficient time for postal delivery.

Review: I was diagnosed with epilepsy and I am unable to work or finish school. I have been trying to get Navient to send me a disability form that my doctor can fill out that will forgive me of my loans. I have been trying for about eight weeks to get the form. Every time I call them they say it has just been mailed and I should receive it. They have also said I have been emailed the form and I have not received that as well. Navient said that they would hold off contacting my Co signer on the loan until I get this sorted out. They are calling the Co signer several times a day at their place if work. And they just sent my cosigner a letter in the mail saying they could garnish their wages if not paid. I have been trying to get this settled before the loans went past due. They have not worked with me at all. I just need the form so that I can have my loans forgiven and my Co signer does not get their wages garnished.Desired Settlement: That I would get the disability form in the mail and they would stop harassing my Co signer like they said they would. Once I get the loans forgiven he is not supposed to have to be responsible for anything.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on March 18, 2015. Please allow sufficient time for postal

delivery.

Review: Navient calls at least 3-4 times a day and not during normal business appropriate hours. They call 7 days a week even after I have made a payment to my account they continue to call. I just made a payment this afternoon 3-10-2015 approx 1PM CST and they just called again at 415 PM CST. Every since they took over for Sallie Mae their customer service has been the worst it's ever been and just rude. I get calls all hours of the day and it's beyond the point of appropriate.Desired Settlement: Stop the excessive calling.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on March 19, 2015. Please allow sufficient time for postal

delivery.

Review: I have multiple issues with Navient. First issue was that I attempted to have my father removed as cosigner on my loan. I made 12 consecutive payments then I was told that since I was in a payment arrangement program that I could not have him removed. Second issue was that when I lost my job this past August I was not offered any type of deferment/forbearance. Third and main issue... I called in January to get my student loans back in good standing. I spoke with a gentleman that resolved my issue but apparently he made a mistake. I agreed to a 3 month forbearance then after fulfilling the 3 consecutive payments, I was told I would pay $477 for the life of my loan. However, after making the payments, Navient realized the mistake and now my loan is all messed up and each department gives me a different amount and refuses to work with me in any way. After I made a verbal contract via telephone, my loan rate, term, and conditions have all been changed without my consent. I have spent hours on the phone trying to make arrangements but nothing. I have formally requested a copy of all my interactions with Navient via telephone.Desired Settlement: I want my account handled correctly. I want an apology for the poor excuse of what they call customer service. I have contacted my attorney. I will move forward with legal action if this is not handled properly.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 9, 2015. Please allow sufficient time for postal

delivery.

Consumer

Response:

Review: My student loans were recently moved from Sallie Mae to navient ( a branch of Sallie Mae) Two weeks ago I was temporarily laid off from work. I placed a call to Sallie Mae requesting a months deferment on my loans. They explained this would be no issue and had be discuss the procedure. The representative informed me that everything was fine and my payments would resume next month. Today I checked my checking account to go over my financials while laid off. I noticed that Sallie Mae had taken this month's payment out. This will prevent Me from paying my rent and other bills since my loans are a couple hundred a month. I placed a call to SallieMae asking about this. The representative I talked to said that my loans were not placed on deferment. I can place them now but it will cost me $150.00. They could also refund my account however I will be charged an amount for that as well. I tried to explain my situation with the representative however she was unwilling to listen or help.Desired Settlement: DesiredSettlementID: Refund

I would like the money refunded to help secure my finacial situation (without outrageous fees) this month, I would also like my loans placed in deferment like I was told to prevent late charges.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on April 24, 2015. Please allow sufficient time for postal

delivery.

Review: I am currently a graduate student in a PhD program hoping to defend my thesis later this year. My private undergraduate loans only have 48 month deferment maximum... an issue that I was not made aware of until I signed into my account last week. Unlike federal student loans where you can defer the entire time you are in school, private student loans work differently. I cannot afford to make the monthly payments of $673. It would literally be impossible for me to make a payment that large taking into account my income, rent, insurance, and health fees (I have Stage IV cancer so treatment is expensive). I have been trying to speak with someone on the phone to try to lower my payments and get on their Rate Reduction Plan.

When I call Navient I am either on hold for a long time and then hung up on without speaking with someone. Or, in the rare cases when I do actually speak with someone I am just constantly transferred because no one can help me and here again, I am just hung up on OR transferred to a satisfaction survey that at the completion automatically hangs up on you. I just want to speak with someone who can help me get the information I need.Desired Settlement: I want an email, a letter, and a phone call so that this situation can be resolved. I would like to work with someone at Navient so that I can enroll in the Rate Reduction Plan so that I can make payments I can afford based on my income.

Business

Response:

A representative from the Office of Customer

Advocate contacted the customer by telephone on May 6, 2015 and resolved the

issue with the customer.

Review: Navient calls my wife's home phone everyday with recorded messages about my student loans. I am recently, less than 2 weeks being discharged from the hospital for possible heart attack. I have applied for a deferrement with no response after sending in all the requested paperwork. My wife have asked them to stop calling multiple times as her home number is also her work number and they continue to do so repeatedly. She works from home and this could cost her her job. She paid them her last $25 on my behalf and they are still calling everyday, multiple times a day. They will not call with a person just this constant recorded message.Desired Settlement: I would like them to stop calling my wife's phone and contact me by text to my cell phone or email only. Both options are those that they offer. I would like my deferment processed and granted time to recover from my hospitalization. This is wearing down on my health and making hers decline as well..

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 1, 2015. Please allow sufficient time for postal

delivery.

Review: I spoke with a representative who I told I was not working and needed to either defer my loans or put my loans in forbearance, for a few months until I could get back on my feet. The rep assured my he would defer my loans but since I hadn't called at least 10 days before they were due, they would all show as late on my credit report until I started paying. If my loans got deferred, they wouldn't be due, so therefore could not be late!! 'Desired Settlement: I want ALL these "late" payments removed from my credit report, asap!!

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 2, 2015. Please allow sufficient time for postal

delivery.

Review: My story is back in late 2008, I enrolled in an online school called "West wood college online" for their bachelor degree program in software design for video games, the school's main campus is located in Denver Colorado. I started my first two classes in January 2009, only completed my first & only semester with the school, as of May 2009 I withdrew over, concerns of more loans I needed to apply for & a growing concern over math classes I feared I would repeat & wondered if I would be charged for taking the same class again?, which the financial department would not answer me. West wood would return most of the loans that were designed to complete my first year of school, but I was required to pay some of the unpaid loans that couldn't be returned so, from 2009 to 2013 I paid back the school, in June 2013

A loan service known as Sallie Mae ( Now known as Navient) sent me a letter informing me since, I was about to graduate my two student loans were going to come due the following month of that year, I tried to explained to them I haven't been in school since I dropped out of May 2009, I didn't understand why the school wouldn't alert them that I dropped out, after a back and forth with them and the school. I contacted the board of education of Denver & explained my story, I was basically told despite the years being out of school and the loans never used for my education, I signed a contract to pay back these loans no matter what, thinking I had no way to get out of this unfair circumstance, I started paying Sallie Mae/Navient back. I recently, mentioned my loans troubles to a fellow co worker who suggested to reach out to the Revdex.com for guidance, on helping me out regardless that I continue to pay for loans I never used.Desired Settlement: an Immediate cease of both loan payments & reimbursement payments received by Sallie Mae/ Navient since June of 2013 to present to myself.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on July 21, 2015. Please allow sufficient time for postal delivery.

Consumer

Response:

Review: In the past 4 yeasts of repaying my student loans navient or Sallie Mae have taken my loans from automatic payment and somehow to not automatic payment. I also have been charged a late fee or 2 because of this. When I called and asked why, they would give me the run around about a system update or power outage that caused the auto payment to shut down. I never did get any money back from them.Desired Settlement: Refund money or late charges from router faulty equipment. Offer just forgive the loans entirely so I can get out of their trap.

Business

Response:

Thank you for

your message. In the interest of protecting the privacy of our customers,

the Office of the Customer Advocate responded directly to the customer via US

Postal Service on August 19, 2015. Please allow sufficient time for

postal delivery.